Upstart Holdings +

Upstart Holdings

Income Statement
Balance Sheet
Cashflow Statement
Profitability
Ratios

Waterfall
Sankey

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Segments

	FY21 Dec 31, 2021	FY22 Dec 31, 2022	FY23 Dec 31, 2023	FY24 Dec 31, 2024	FY25 Dec 31, 2025	TTM Trailing 12M
Revenue Total sales generated.	$849.89 M	$853.29 M	$547.72 M	$676.96 M	$1.04 B	$1.16 B
Cost of Revenue Direct cost of goods/services.	$3.27 M	$15.53 M	$39.60 M	$48.13 M	-	$50.37 M
Gross Profit Revenue minus cost of revenue.	$846.61 M	$837.76 M	$508.12 M	$628.83 M	-	$1.11 B
Operating Expense Costs to run business.	$712.88 M	$946.83 M	$748.14 M	$757.23 M	$1.00 B	$1.06 B
Research and Development Investment in innovation.	-	-	-	-	$257.60 M	$80.11 M
Sales, General and Administrative Selling and admin costs.	$572.47 M	$719.06 M	$489.95 M	$555.73 M	$555.25 M	$764.12 M
General and Administrative Corporate overhead costs.	$239.02 M	$373.28 M	$362.81 M	$388.93 M	$253.74 M	$417.13 M
Sales and Marketing Customer acquisition costs.	$333.45 M	$345.78 M	$127.14 M	$166.80 M	$301.51 M	$346.99 M
Other Expenses Other operating costs.	$140.41 M	$227.77 M	$258.20 M	$201.50 M	$188.38 M	$219.51 M
Operating Income Profit from operations.	$133.73 M	-$109.07 M	-$240.03 M	-$128.40 M	$42.63 M	$49.23 M
Net Interest Income Interest income minus expense.	$17.36 M	$94.74 M	$134.10 M	$138.23 M	-	$129.52 M
Interest Income Income from investments.	$20.63 M	$105.58 M	$169.00 M	$186.36 M	-	$163.66 M
Interest Expense Cost of borrowing.	$3.27 M	$10.84 M	$34.89 M	$48.13 M	-$31.66 M	$34.15 M
Non-Operating Income (ex-Int) Income outside core operations.	-	-	-	-	-	-
Total Other Income (Net) Net non-operating items.	-	-	-	-	$11.70 M	$956.00 K
Income Before Tax Profit before taxes.	$133.73 M	-$109.07 M	-$240.03 M	-$128.40 M	$54.33 M	$50.19 M
Income Tax Expense Taxes on income.	-$1.71 M	-$409.00 K	$107.00 K	$185.00 K	$728.00 K	$783.00 K
Net Income Final profit.	$135.44 M	-$108.67 M	-$240.13 M	-$128.58 M	$53.60 M	$49.40 M
Net Income From Continuing Operations Profit from core business.	$135.44 M	-$108.67 M	-$240.13 M	-$128.58 M	-	$49.40 M
Net Income From Discontinued Operations Profit/loss from sold units.	-	-	-	-	-	-
Other Adjustments to Net Income Additional accounting adjustments.	-	-	-	-	-	-
Net Income Deductions Reductions from net income.	-	-	-	-	-	-$704.00 K

Earnings Per Share Company profit allocated to each outstanding share.
EPS Earnings per share. Formula: Net Income ÷ Shares	$1.73	-$1.31	-$2.87	-$1.44	$0.56	$0.51
Diluted EPS EPS including dilution. Formula: Net Income ÷ Diluted Shares	$1.43	-$1.31	-$2.87	-$1.44	$0.45	$0.41
Shares for EPS Number of shares used to calculate EPS.
Weighted Average Shares Outst. Avg shares used for EPS.	78.11 M	82.77 M	83.77 M	89.45 M	96.03 M	96.90 M
Diluted Average Shares Outst. Shares including dilution.	94.77 M	82.77 M	83.77 M	89.45 M	107.49 M	96.90 M
Supplemental Items
EBIT Earnings before interest and tax.	$133.73 M	-$109.07 M	-$240.03 M	-$128.40 M	-	$49.23 M
EBITDA Earnings before interest, tax, D&A.	$141.27 M	-$95.56 M	-$215.12 M	-$107.85 M	$42.63 M	$73.52 M
Depreciation and Amortization Non-cash expense for assets.	$7.54 M	$13.51 M	$24.90 M	$20.55 M	-	$24.29 M
Company Report

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Frequently Asked Questions

What is Upstart Holdings's revenue?

In fiscal year 2025, Upstart Holdings generated a total revenue of $1.04 Billion.

What is Upstart Holdings's net income and net income margin?

In fiscal year 2025, Upstart Holdings earned a net income of $53.60 Million, with a net income margin of 4.98%.

What is Upstart Holdings's gross profit and gross profit margin?

In fiscal year 2025, Upstart Holdings's gross profit was -, with a gross profit margin of 95.21%.

What is Upstart Holdings's operating profit and operating profit margin?

In fiscal year 2025, Upstart Holdings's operating profit was $42.63 Million, with an operating profit margin of 5.05%.

What is Upstart Holdings's EBITDA?

In fiscal year 2025, Upstart Holdings's EBITDA was $42.63 Million.

What is Upstart Holdings's free cash flow?

In fiscal year 2025, Upstart Holdings's free cash flow was -$147.73 Million.

What are Upstart Holdings's total asset and total liability?

In fiscal year 2025, Upstart Holdings's total asset was $2.97 Billion, while its total liability was $2.18 Billion.

What are Upstart Holdings's capital expenditure (capex) and operating expense (opex)?

In fiscal year 2025, Upstart Holdings's capital expenditure (capex) was -, while its operating expense (opex) was $1.00 Billion.

What is Upstart Holdings's Return on Equity (ROE)?

In fiscal year 2025, Upstart Holdings's Return on Equity (ROE) was 6.71%.

What was Upstart Holdings's income tax expense, and what is its effective tax rate?

In fiscal year 2025, Upstart Holdings's income tax expense amounted to $728.00 K, with an effective tax rate of 1.34%.

What is Upstart Holdings's Market cap?

As of , Upstart Holdings's market cap is .

What is Upstart Holdings's Enterprise value?

Upstart Holdings's enterprise value reached $3.55 Billion, according to its recent quarterly filing.

Upstart Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Upstart Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Upstart Holdings's Income Statement

Upstart Holdings's Assets vs Liabilities & Equity

Upstart Holdings's Assets vs Liabilities & Equity

Upstart Holdings's Balance Sheet

Upstart Holdings's Cash flow

Upstart Holdings's Profitability

Upstart Holdings's Ratios

Frequently Asked Questions

What is Upstart Holdings's revenue?

What is Upstart Holdings's net income and net income margin?

What is Upstart Holdings's gross profit and gross profit margin?

What is Upstart Holdings's operating profit and operating profit margin?

What is Upstart Holdings's EBITDA?

What is Upstart Holdings's free cash flow?

What are Upstart Holdings's total asset and total liability?

What are Upstart Holdings's capital expenditure (capex) and operating expense (opex)?

What is Upstart Holdings's Return on Equity (ROE)?

What was Upstart Holdings's income tax expense, and what is its effective tax rate?

What is Upstart Holdings's Market cap?

What is Upstart Holdings's Enterprise value?

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Upstart Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Upstart Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Upstart Holdings's Income Statement

Upstart Holdings's Assets vs Liabilities & Equity

Upstart Holdings's Assets vs Liabilities & Equity

Upstart Holdings's Balance Sheet

Upstart Holdings's Cash flow

Upstart Holdings's Profitability

Upstart Holdings's Ratios

Frequently Asked Questions

What is Upstart Holdings's revenue?

What is Upstart Holdings's net income and net income margin?

What is Upstart Holdings's gross profit and gross profit margin?

What is Upstart Holdings's operating profit and operating profit margin?

What is Upstart Holdings's EBITDA?

What is Upstart Holdings's free cash flow?

What are Upstart Holdings's total asset and total liability?

What are Upstart Holdings's capital expenditure (capex) and operating expense (opex)?

What is Upstart Holdings's Return on Equity (ROE)?

What was Upstart Holdings's income tax expense, and what is its effective tax rate?

What is Upstart Holdings's Market cap?

What is Upstart Holdings's Enterprise value?

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